Can I retire at age 35 with 732,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $732,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$60,448$59,909$59,384$58,871$58,371$57,882
2 years$29,925$29,367$28,827$28,304$27,796$27,303
3 years$19,752$19,192$18,653$18,134$17,635$17,153
4 years$14,666$14,108$13,575$13,065$12,577$12,111
5 years$11,616$11,061$10,535$10,035$9,561$9,111
6 years$9,583$9,032$8,513$8,025$7,565$7,133
7 years$8,131$7,585$7,075$6,598$6,153$5,737
8 years$7,043$6,502$6,000$5,535$5,104$4,706
9 years$6,197$5,661$5,168$4,714$4,298$3,917
10 years$5,520$4,990$4,505$4,064$3,662$3,298
11 years$4,967$4,442$3,966$3,537$3,150$2,802
12 years$4,507$3,987$3,520$3,102$2,730$2,398
13 years$4,118$3,603$3,145$2,739$2,380$2,065
14 years$3,784$3,275$2,826$2,431$2,087$1,787
15 years$3,495$2,992$2,551$2,168$1,837$1,553
16 years$3,243$2,745$2,313$1,941$1,624$1,354
17 years$3,021$2,528$2,105$1,744$1,440$1,184
18 years$2,823$2,336$1,921$1,572$1,280$1,038
19 years$2,647$2,165$1,759$1,420$1,141$912
20 years$2,488$2,012$1,614$1,286$1,019$803
21 years$2,344$1,874$1,485$1,168$912$708
22 years$2,214$1,749$1,369$1,062$817$626
23 years$2,096$1,636$1,264$967$734$553
24 years$1,987$1,533$1,169$882$660$490
25 years$1,887$1,439$1,082$805$594$434
26 years$1,795$1,352$1,004$736$535$385
27 years$1,710$1,272$932$674$482$342
28 years$1,631$1,199$867$617$435$304
29 years$1,558$1,131$806$566$393$270
30 years$1,490$1,068$751$520$355$240
31 years$1,426$1,010$700$477$321$213
32 years$1,367$955$653$439$290$190
33 years$1,311$905$610$403$263$169
34 years$1,258$858$570$371$238$151
35 years$1,209$813$533$342$215$134
36 years$1,163$772$499$315$195$119
37 years$1,119$733$467$290$177$106
38 years$1,077$697$437$267$160$95
39 years$1,038$663$409$246$145$85
40 years$1,001$630$384$227$132$75
41 years$965$600$360$210$120$67
42 years$932$572$338$194$109$60
43 years$900$545$317$179$99$54
44 years$870$519$297$165$89$48
45 years$841$495$279$152$81$43
46 years$813$472$262$141$74$38
47 years$787$451$246$130$67$34
48 years$762$430$231$120$61$30
49 years$738$411$218$111$55$27
50 years$715$392$205$103$50$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $732,000, adding $4,104 every year, while hoping to spend $46,735 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 45/27/28 Blend
34$732,000$732,000$732,000$732,000
35$810,897$772,101$760,755$840,664
36$843,883$760,209$736,515$850,335
37$878,667$746,167$709,896$856,012
38$915,383$729,821$680,770$861,272
39$954,178$711,008$649,001$866,103
40$995,211$689,554$614,449$870,494
41$1,038,656$665,276$576,967$874,436
42$1,084,703$637,978$536,400$877,926
43$1,133,560$607,457$492,586$880,960
44$1,185,455$573,493$445,359$883,542
45$1,240,635$535,859$394,543$885,679
46$1,299,373$494,309$339,953$887,383
47$1,361,966$448,587$281,399$888,676
48$1,428,741$398,422$218,680$889,582
49$1,500,054$343,526$151,587$890,139
50$1,576,297$283,597$79,903$890,390
51$1,657,899$218,312$3,399$890,393
52$1,745,330$147,335$0$890,216
53$1,839,106$70,306$0$913,318
54$1,939,793$0$0$939,025
55$2,048,013$0$0$970,423
56$2,164,448$0$0$1,026,739
57$2,289,847$0$0$1,087,456
58$2,425,032$0$0$1,152,980
59$2,570,907$0$0$1,223,757
60$2,728,464$0$0$1,300,279
61$2,898,796$0$0$1,383,084
62$3,083,099$0$0$1,472,766
63$3,282,694$0$0$1,569,976
64$3,499,029$0$0$1,675,432
65$3,733,697$0$0$1,789,922
66$3,988,450$0$0$1,914,314
67$4,265,217$0$0$2,049,561
68$4,566,118$0$0$2,196,712
69$4,893,484$0$0$2,356,923
70$5,249,883$0$0$2,531,464
71$5,638,139$0$0$2,721,733
72$6,061,359$0$0$2,929,270
73$6,522,963$0$0$3,155,768
74$7,026,716$0$0$3,403,092
75$7,576,762$0$0$3,673,294
76$8,177,663$0$0$3,968,633
77$8,834,439$0$0$4,291,599
78$9,552,621$0$0$4,644,929
79$10,338,294$0$0$5,031,639
80$11,198,162$0$0$5,455,052
81$12,139,606$0$0$5,918,823
82$13,170,753$0$0$6,426,981
83$14,300,553$0$0$6,983,960
84$15,538,865$0$0$7,594,647
85$16,896,543$0$0$8,264,420
86$18,385,544$0$0$8,999,207
87$20,019,039$0$0$9,805,535
88$21,811,532$0$0$10,690,592
89$23,779,003$0$0$11,662,299
90$25,939,050$0$0$12,729,381
91$28,311,061$0$0$13,901,447
92$30,916,394$0$0$15,189,084
93$33,778,575$0$0$16,603,956
94$36,923,523$0$0$18,158,910
95$40,379,791$0$0$19,868,102
96$44,178,836$0$0$21,747,127
97$48,355,313$0$0$23,813,165
98$52,947,403$0$0$26,085,146
99$57,997,171$0$0$28,583,925
100$63,550,963$0$0$31,332,479